Workers Compensation Coverage You Can Count On
Stay compliant, protect your employees, and control your premiums. We shop top carriers to find the best workers comp rates for your business.
Get a Free QuoteWhy Your Business Needs Workers Compensation
Workers compensation insurance is more than a legal requirement — it’s a promise to your employees that they’ll be taken care of if they get hurt on the job. In Florida and California, every employer with employees must carry workers comp coverage, and the penalties for non-compliance can be severe, including fines, stop-work orders, and even criminal charges.
As an independent broker representing 20+ A-rated workers compensation carriers, we help you find the right balance of statutory compliance, competitive pricing, and quality claims service. Whether you’re a small business with a few employees or a large operation with complex exposures, we have options that fit your industry and risk profile.
Top Workers Compensation Carriers
| Carrier | Features | Best For |
|---|---|---|
| The Hartford | Strong loss control, nurse triage, pay-as-you-go | Small to mid-size businesses, retail & service |
| Travelers | Industry-specific programs, bundled GL/WC | Construction, manufacturing, transportation |
| Liberty Mutual | Large account capability, aggressive credits | Mid-to-large employers, multi-state operations |
| AmTrust | Flexible payment plans, no long-term commitment | Small businesses, restaurants, hospitality |
| State Fund (CA) | Guaranteed-issue, capped premiums, safety grants | California employers of all sizes |
Coverage Details
Workers compensation insurance provides four key benefits to injured employees while protecting your business from direct lawsuits related to workplace injuries:
- Medical Benefits: Covers all reasonable and necessary medical treatment for work-related injuries and illnesses, including doctor visits, surgery, hospital stays, prescriptions, and medical equipment.
- Lost Wage Replacement: Provides a percentage of the employee’s average weekly wage (typically 66-2/3%) while they are unable to work, subject to state maximums and waiting periods.
- Rehabilitation Services: Vocational rehabilitation, job retraining, and physical/occupational therapy to help injured workers return to gainful employment as quickly and safely as possible.
- Death Benefits: Provides funeral expenses and ongoing income replacement to the dependents of an employee who dies as a result of a workplace injury or illness.
Experience Mod & Premium Factors
Your workers compensation premium is not just about your industry classification. The Experience Modification Rate (EMR or X-Mod) is a key factor that rewards businesses with strong safety records and penalizes those with high claim frequency. An EMR below 1.0 means your claims history is better than average, and you’ll pay less. An EMR above 1.0 can significantly increase your premiums.
Other factors that influence your premium include payroll size, employee classification codes, state-specific rate filings, and your chosen deductible level. We analyze every angle to identify credits and reduce your total cost of risk.
Claims Management & Support
A workplace injury is stressful for everyone involved. That’s why we partner with carriers that offer dedicated claims adjusters, 24/7 nurse triage hotlines, and online claims reporting tools. We also provide proactive loss control resources — safety training materials, workplace ergonomics assessments, and industry-specific risk management guides — to help you prevent injuries before they happen.
When a claim does occur, we advocate on your behalf to ensure timely processing and fair resolution. Our goal is to get your employee the care they need and get them back to work as soon as medically appropriate, minimizing disruption to your business.
Frequently Asked Questions
Protect Your Business & Your People
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